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Get 5.11% APR1 on a 5-year fixed high-ratio mortgage.

For a limited-time, secure our lowest mortgage rate and a cash bonus up to $3,0002,3 when you get a mortgage at Coast Capital.
GET PRE-QUALIFIED




Personalized advice homebuyers can trust.

Whether it’s buying your first home or moving somewhere new, we know that there’s a lot to consider when you’re shopping for a mortgage—particularly how much you can afford. Our pre-qualification tool takes the guesswork out of your mortgage search.

Take your first step towards making homeownership a reality.

Find out how much mortgage you can afford. Your credit score won't be impacted and there's no commitment to apply for a Coast Capital mortgage if you qualify.

GET PRE-QUALIFIED

Prefer to speak with our Mortgage Advisor? Connect with us online or call 1.888.517.7749.


Explore our great mortgage rates.

Whether you’re a first-time homebuyer or buying a new home, we have the right mortgage for you. We'll even hold your rate for 90 days. Ask us how.

6.51% APR3

5-Year Variable High-Ratio Mortgage 

5.21% APR3

5-Year Fixed High-Ratio Mortgage 

6.61% APR3

5-Year Variable

Mortgage 

5.41% APR3

5-Year Fixed

Mortgage 

Check out our other mortgage rates.

GET PRE-QUALIFIED

For a limited-time, get up to $3,0002,3 with a 5-year fixed high-ratio mortgage.

Up to $2,500 Help Extras cash bonus.2

For a limited-time, get up to $2,500 Help Extras cash bonus when you get a 5-year fixed high-ratio mortgage.

$500 cash bonus towards your fees.3

In addition to the Help Extras cash bonus, we’ll cover up to $500 of legal and appraisal fees.

Or get up to $1,000 Help Extras cash bonus4 when you select another rate.


Partnership
Partnership
The more we get to know you personally, the better we can help you create the real life you want. We'll work together to find the right mortgage for you.
Advice
Advice
Our focus is to educate and guide you to the right mortgage solution and to provide clear, simple, and personalized advice that you can feel excited about.
Rates
Rates
We offer rates that are as low as possible to make sure that your mortgage works for your real life. We want you to feel confident when you're buying your home.
Flexibility
Flexibility
Select a payment schedule that fits your budget. Pay down your mortgage faster by increasing the payment amount.
Members Get It® Mortgages

Get more with our mortgages including a great rate and up to $1,500 cash bonus with eligible mortgages.1,2

  • New mortgages with a term of 3 years or more receive $1,000 in Help Extras®
  • Put your cash bonus toward investment products such as term deposits in non-registered or registered accounts such as an RRSP, RESP or TFSA
Learn more
High-Ratio Mortgages
If you’re putting less than 20% towards the down payment of your new home, a High-Ratio mortgage may be the right solution with default insurance included.
  • Gives you the flexibility to buy your home with as little as 5% for your down payment
  • Feel protected with the inclusion of default insurance, which is required for down payments less than 20%
  • The insurance premium is added to the balance of your mortgage amount
  • Terms and conditions apply. Read here.
Get pre-approved
Reverse Mortgage

Access the equity that already exists in your home by turning a portion of it into an additional source of cash**. Tax and payment free.

  • Flexible term rates, amounts and personalized advance types
  • Minimum home value of $250,000 and aged 55 years and over
  • Consolidate your debt and right-size your home

Call our Lending Team at 1.888.517.7749
Personal LOC

A helpful alternative to cash advances or large credit card purchases.

  • Get access to extra funds and only pay interest when it's used.
  • Pay down the balance at any time
  • Re-advance your loan as many times as you need
  • Interest3 charged only on what you use
Apply online
High-Ratio Mortgages
For a limited time, get a up to $3,0002,3 when you get a 5-year fixed high-ratio mortgage.
  • Gives you the flexibility to buy your home with as little as 5% for your down payment.
  • Feel protected with the inclusion of default insurance, which is required for down payments less than 20%.
  • The insurance premium is added to the balance of your mortgage amount.
  • Pre-qualify in less than 3 minutes to find out how much you can afford to mortgage. Your credit score won't be impacted and there's no commitment to apply for a Coast Capital mortgage if you qualify.
GET PRE-QUALIFIED
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Members Get It® Mortgages
Get more with our mortgages including a great rate and up to $1,500 cash bonus with eligible mortgages.†,‡
  • New mortgages with a term of 3 years or more receive $1,000 in Help Extras® and up to $500 towards legal and appraisal fees.
  • Put your cash bonus toward investment products such as term deposits in non-registered or registered accounts such as an RRSP, RESP or TFSA
BOOK APPOINTMENT
† Read terms and conditions.

Terms and Conditions.

† Help Extras are available for new closed mortgage loans with a principal amount not less than $150,000, having a term of not less than 3 years. Pre-approval is available for both primary residences and rental properties. Must be either a first mortgage, or a second mortgage behind a Coast Capital Savings first mortgage. Coast Capital Savings may amend, terminate, withdraw, or suspend the Help Extras at any time and without notice. Other conditions will apply.Contact usfor details.

‡ The $500 appraisal and legal credit is available for new closed mortgage loans with a principal amount not less than $150,000 and having a term not less than 3 years. Re-financed mortgages and subsequent advances on mortgage loans are not eligible. Coast Capital Savings Federal Credit Union may limit the availability of the $500 appraisal and legal credit from time to time at its sole discretion. Coast Capital Savings Federal Credit Union may change or terminate this offer at any time and without prior notice. All decisions by Coast Capital Savings Federal Credit Union regarding this offer are binding on all participants. Contact us for details.

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Personal LOC†
A helpful alternative to cash advances or large credit card purchases.
  • Get access to extra funds and only pay interest when it's used.
  • Pay down the balance at any time
  • Re-advance your loan as many times as you need
  • Interest charged only on what you use
  • Access money through your chequing account, debit card, cheques or in a branch
APPLY ONLINE
† Read terms and conditions.

Terms and Conditions.

† Subject to Coast Capital standard lending policies and criteria. Personal guarantee(s), security, and additional documentation may be required. Fees may apply. Other conditions may apply.

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Tax-Free Savings Account (TFSA)
If you're over the age of 19 avoid paying tax on the income or growth you make on your investment, even when it's withdrawn.
  • No maximum age limit to open or hold a TFSA
  • No deadline for your contributions
  • Unused TFSA contribution room can be carried forward to future years
  • Investment income earned in a TFSA plan, including capital gains, will not be taxed, even when withdrawn
  • Multiple investment products such as GICs and mutual funds available within a TFSA
Learn more

Disclosure

Coast Capital Savings Federal Credit Union provides advice and service related to deposit, loan and mortgage products. Coast Capital Wealth Management Ltd. provides investment and financial planning services. Coast Capital Financial Management Ltd. provides advice and service related to segregated funds, annuities and life insurance products. Worldsource Financial Management Inc. provides advice and service relating to mutual funds. Mutual fund values change frequently and past performance may not be repeated. Commissions, trailing commissions, management fees and expenses may all be related with mutual fund investments. Important information about mutual funds is contained in the relevant fund facts and simplified prospectus. Please read the fund facts carefully before investing. Only deposits held in Canadian currency, having a term of five years or less and payable in Canada are eligible to be insured under the Canada Deposit Insurance Corporation Act. 

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Members Get It® Mortgages

Our members get more with Members Get it Mortgages. You’ll get a great rate and a $1,500 cash bonus1 when you switch to an eligible mortgage with us today.

On your path to homeownership, you can make the most of your $1,500 cash bonus by investing it in our non-registered or registered accounts such as an RRSP, RESP or TFSA.

Learn more
Members Get It® Mortgages

Our members get more with Members Get it Mortgages. You’ll get a great rate and a $1000 cash bonus1 through Help Extras™ when you switch to an eligible mortgage with us today.

On your path to homeownership, you can make the most of your $1000 Help Extras cash bonus by investing it in our non-registered or registered accounts such as an RRSP, RESP or TFSA.



Personal Line of Credit
A helpful alternative to cash advances or large credit card purchases. Get access to extra funds and only pay interest when it's used.
  • Pay down the balance at any time
  • Re-advance your loan as many times as you need
  • Interest4 charged only on what you use
  • Access money through your chequing account, debit card, cheques or in a branch
Apply online

Free Chequing, Free Debit, and More Account®
Nobody really likes fees. This account is free with no minimum balance required.
  • No monthly fee
  • Unlimited day-to-day transactions
  • Free withdrawals and deposits at 4000+ ding free® ATMs across Canada
  • Free in-branch, online or phone bill payments
  • Free eStatements
  • Overdraft Protection available2

Apply online


Tax-Free Savings Account (TFSA)
If you're over 18, thanks to the government, you won't get taxed on the income or growth you make on your investment, even when it's withdrawn. That's right, no taxes, from the government
  • No maximum age limit to open or hold a TFSA
  • No deadline for your contributions
  • Unused TFSA contribution room can be carried forward to future years
  • Investment income earned in a TFSA plan, including capital gains, will not be taxed, even when withdrawn
  • Multiple investment products such as term deposits and mutual funds available within a TFSA

Learn more

Other helpful mortgage products.

Here are other mortgage options we’ll go over with you when you get a mortgage from Coast Capital Savings

Multi-purpose Mortgage

With a Multi-Purpose Mortgage, you can split your mortgage into sections, each with its own term length and interest rate. You can borrow up to 80% of your homes equity, make advances any time, and pay the registration and legal fees once, no matter how many times you dip into it.

Mortgage Insurance

Through our partners at Valeyo‡, we offer life and disability insurance for your mortgage which protects you from losing your home if you're unable to make mortgage payments due to injury, illness or death.
Learn more

Automatic Deposits and Payments

Make deposits into your chequing or savings account at a regular frequency. You can also set up automatic bill payments.

Learn more

Ready to buy a new home? Here’s how to get started.

Get pre-qualified for a mortgage in less than 3 minutes.
Find out how much mortgage you can afford when you pre-qualify with us. Your credit score won't be impacted and there's no commitment to apply for a Coast Capital mortgage if you qualify.
Speak with an Advisor.
A Mortgage Advisor will be in contact with you to discuss the results of your pre-qualification and talk about next steps.
Finalize your mortgage.
We'll help you complete the full mortgage application, and customize your rate and terms. We'll even hold your rate for 90 days. Make sure you have these documents for your application.

We've answered your most popular FAQs.

A pre-qualification gives you a calculated estimate of the total mortgage amount that they would qualify for, which helps you determine the cost of a home you could afford. Because we use your credit history in addition to your reported income, you’ll get a more accurate result than if you used a basic mortgage calculator.

A pre-qualification gives you a quick result of what you could potentially qualify for based on the information you provide us and your credit history.

This is NOT a pre-approval, though that’s what comes next! A pre-approval means that you qualify for a mortgage based on the information you have provided, and subject to certain conditions. A mortgage pre-approval often specifies a term, interest rate and principal amount.

If you’re looking to get pre-approved, please submit a request through this form, contact us at 1-888-517-7000 or visit us at any of our convenient locations and we’ll be happy to help.


You can access the tool from Chrome, Safari, Edge and Firefox on any operating system. The only browser we don’t support is Internet Explorer. 

Yes, after 14 minutes, you will be presented with a warning message. If you do not click “Continue” within 15 minutes, your application will time out and you will need to start over.

Can I save and continue later?

If you leave the tool prior to clicking “Submit”, your information will be not be saved. You will need to start from the beginning.

What if I want to change my information after I've submitted and received a result?

Once you have submitted your information and received a result, you are unable to edit previously submitted information. You will need to start a new submission.

What if I'm looking to pre-qualify for a property that will not be a primary home purchase?

This tool is for primary home purchases only. If you are looking for a mortgage for a property that won’t be your primary residence, please submit a request through the form and we'll be happy to help.

How can my credit history be used to calculate my result without affecting my credit score?

We perform a soft credit check, meaning that there is no negative impact to your credit score. You will be able to see this soft credit check if you request a report from a credit reporting agency (like Equifax), but other parties (like banks) will not be able to see it.


If you leave the tool prior to clicking “Submit”, your information will be not be saved. You will need to start from the beginning.

Once you have submitted your information and received a result, you are unable to edit previously submitted information. You will need to start a new submission.

This tool is for primary home purchases only. If you are looking for a mortgage for a property that won’t be your primary residence, please submit a request through the form and we'll be happy to help.

We perform a soft credit check, meaning that there is no negative impact to your credit score.

No. You are only eligible for one bonus.

Yes. If you are a new personal member to Coast Capital. If the criteria is met on the joint account, you are only eligible for a single Cash Bonus Offer.
Yes. If you add a new member to a joint account, the new member will be eligible for the bonus. Joint Accounts and Joint Memberships are only eligible for a single Cash Bonus Offer.

No. Current and past personal members do not qualify for this offer.

No. If you’ve had a previous personal membership with Coast Capital, you are not eligible for this offer.

Pre-authorized debits are payments that are set up to debit an account and credit an external company. Some examples of what you can set up as a pre-authorized payment:

  • Bills like cable and internet
  • Gym memberships

No. To qualify for the bonus, you will need to setup a pre-authorized debit for a minimum amount of $25, where your account will be debited and an external company will be credited.

All you have to do, once your membership is approved, is check your inbox for instructions. We’ll send you an email titled ‘Start banking with Coast Capital in just a few clicks’ containing a link that will walk you through the instructions to set up a pre-authorized debit. You can also download a void check in online banking and present to your vendor.

All you have to do, once your membership is approved, is check your inbox for instructions. We’ll send you an email titled ‘Start banking with Coast Capital in just a few clicks’ containing a link that will walk you through the instructions to set up a direct deposit. You can also download a void check in online banking and present to your employer.


In order to be eligible for the bonus, your direct deposit must be the same direct deposit coming from the same payee for 3 consecutive months. This may be your payroll, pension or government payment. Check the terms and conditions for more details.

The easiest way to track eligible transactions is through our personal financial management tool, Money Manager, located in online banking and the Coast Mobile app. Learn about your spending habits, set budgets, track your progress towards your goals and pay down your debt more effectively. Once you have set up Money Manager, simply check your transactions. (Exclusions: Account or service charges and account to account transfers.)

Transactions like point of sale, etranfers, direct deposits and pre-authorized debits count towards your eligible transactions.

There are a number of reasons an application may be declined. If your online application was declined please contact us.

Need coverage if the unexpected happens?

Ask us how you could help protect your mortgage payments if the unexpected happens with optional creditor insurance through our partnership with Valeyo5.


LEARN MORE

Need coverage if the unexpected happens?

Ask us how you could help protect your mortgage payments if the unexpected happens with optional creditor insurance through our partnership with Valeyo5.


LEARN MORE

Mortgage advice that’s available 24/7.

No matter where you’re at in your mortgage journey, we have an entire collection of helpful articles to help you live the real life you want. Explore our first-time homebuyers manual, popular mortgage FAQs and more.

READ ARTICLES

Mortgage advice that’s available 24/7.

No matter where you’re at in your mortgage journey, we have an entire collection of helpful articles to help you live the real life you want. Explore our first-time homebuyers manual, popular mortgage FAQs and more.

READ ARTICLES

Helpful Resources

Like what you see? Here's more.

MANAGING YOUR MONEY
Why you should talk to a Mortgage Advisor
A perfect mortgage is so much more than just a seductively low-interest rate. Read up on why you should always talk to a Mortage Advisor.
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MANAGING YOUR MONEY
Fixed vs. variable – which mortgage rate is right for you?
What type of mortgage is the most suitable for you? Fixed-rate mortgage or a variable mortgage? This short guide sets out what you need to know.
Read article
MANAGING YOUR MONEY
5 (more) mortgage FAQs answered by an expert (Janessa)
Here are 5 common questions Janessa, a relationship manager, gets asked about mortgages.
Read article
Want to speak with a Mortgage Advisor?

Get in touch with our Mortgage Advisors online or call 1.888.517.7749. We’ll get you started and help you every step of the way.


CONNECT WITH US
  1. APR calculation is based on a $300,000 mortgage at a 25 year amortization, assuming an appraisal fee of $300 (which includes fees associated with determining the value of the property). If there are no additional cost of borrowing charges, the APR and the interest rate will be the same. If additional fees apply, the APR could increase. The fixed mortgage APR is compounded semi-annually, not in advance. Rates subject to change without notice.
  2. For high ratio mortgage rates, Help Extras are available for new closed mortgage loans with a principal amount not less than $150,000, having a term of not less than four (4) years. Pre-approval is available for primary residences only. Must be a Coast Capital first mortgage registered against title of the mortgaged property. Coast Capital may amend, terminate, withdraw, or suspend the Help Extras for high ratio mortgages at any time and without notice. Read full terms and conditions here. Qualifying borrowers will receive:
    1. A. $500 on a mortgage loan amount of $150,000 to $499,999;
    2. B. $1,500 on a mortgage loan amount of $500,000 to $749,999; or
    3. C. $2,500 on a mortgage loan amount of $750,000 to $999,999.
  3. The $500 appraisal and legal credit is available for new closed mortgage loans with a principal amount not less than $150,000 and having a term not less than three (3) years. Re-financed mortgages and subsequent advances on mortgage loans are not eligible. Coast Capital may limit the availability of the $500 appraisal and legal credit from time to time at its sole discretion. Coast Capital may change or terminate this offer at any time and without prior notice. All decisions by Coast Capital regarding this offer are binding on all participants.
  4. For other mortgage rates, Help Extras are available for new closed mortgage loans with a principal amount not less than $150,000, having a term of not less than three (3) years. Pre-approval is available for both primary residences and rental properties. Must be either a first mortgage, or a second mortgage behind a Coast Capital first mortgage. Coast Capital may amend, terminate, withdraw, or suspend the Help Extras at any time and without notice. Other conditions will apply.
  5. Valeyo is a marketer of creditor insurance underwritten by Canadian Premier Life Insurance Company and insurance-related products. This product may not pay off your entire obligation. Any benefits will be payable to your creditor. Exclusions, limitations and terms of availability apply to this coverage. For cost and complete details, contact your Coast Capital lender.